Many residents within the Lake Worth Drainage District’s (LWDD) boundary frequently ask if they should purchase flood insurance even though they are not located in a high-risk zone. In response LWDD points out that the probability of your home or business flooding is a possibility anywhere in South Florida regardless of your flood zone designation. Our region’s low and flat topography, coupled with its significant rainfall makes flood insurance an important consideration for property owners.
You may not realize it, but everyone is in a flood zone. You do not need to live near a waterbody to be at risk. The truth is that you can reside miles away from a pond or canal and still be at risk of flooding. Nearly 25 percent of flood insurance claims come from moderate to low risk zones. That is because it does not take a major body of water, or a major storm to cause a flood. Many things, such as new development, construction, lack of maintenance or a slow-moving rainstorm, may produce flooding. Just a few inches of water in a building can cost thousands of dollars in damage to walls, floors, furniture, carpets, and appliances.
It is important to note that flood damage is usually not covered by most homeowner or rental insurance policies. Flood insurance is available for all flood zones, but the cost of a policy depends on your location. For all but a small percentage of very high-risk properties, flood insurance is surprisingly affordable when compared to the cost of repairs. The consideration of purchasing flood insurance is a personal decision and should not be taken lightly. Consider your family or business’s tolerance for risk. Determine what you could afford to repair or replace at your own cost, and if a flood insurance policy is a wise investment for you.
To find out more about flood insurance for your property and its contents, contact your insurance agent. Additional information and insurance agency listings are available at the following links:
https://www.flseagrant.org/NFIP
https://www.ready.gov/floods
https://www.floodsmart.gov
FEMA Guide: How To Prepare For A Hurricane
/in Hurricanes, News, ResidentialDo I Need Flood Insurance?
/in News, ResidentialMany residents within the Lake Worth Drainage District’s (LWDD) boundary frequently ask if they should purchase flood insurance even though they are not located in a high-risk zone. In response LWDD points out that the probability of your home or business flooding is a possibility anywhere in South Florida regardless of your flood zone designation. Our region’s low and flat topography, coupled with its significant rainfall makes flood insurance an important consideration for property owners.
You may not realize it, but everyone is in a flood zone. You do not need to live near a waterbody to be at risk. The truth is that you can reside miles away from a pond or canal and still be at risk of flooding. Nearly 25 percent of flood insurance claims come from moderate to low risk zones. That is because it does not take a major body of water, or a major storm to cause a flood. Many things, such as new development, construction, lack of maintenance or a slow-moving rainstorm, may produce flooding. Just a few inches of water in a building can cost thousands of dollars in damage to walls, floors, furniture, carpets, and appliances.
It is important to note that flood damage is usually not covered by most homeowner or rental insurance policies. Flood insurance is available for all flood zones, but the cost of a policy depends on your location. For all but a small percentage of very high-risk properties, flood insurance is surprisingly affordable when compared to the cost of repairs. The consideration of purchasing flood insurance is a personal decision and should not be taken lightly. Consider your family or business’s tolerance for risk. Determine what you could afford to repair or replace at your own cost, and if a flood insurance policy is a wise investment for you.
To find out more about flood insurance for your property and its contents, contact your insurance agent. Additional information and insurance agency listings are available at the following links:
https://www.flseagrant.org/NFIP
https://www.ready.gov/floods
https://www.floodsmart.gov
A Diversion And Impoundment System
/in NewsThe Lake Worth Drainage District (LWDD) is considered a ‘Diversion & Impoundment’ water management system under the South Florida Water Management District (SFWMD) rule for consumptive water use. A diversion and impoundment system will collect and divert surface water through a pump or water control structure, or a combination of surface and groundwater to a conveyance canal which the owner has legal control to operate and maintain for the purposes of providing for the reasonable and beneficial demands of secondary users.
There are two categories of secondary users, independent and dependent. The distinction between these two categories is related to the way the secondary user attains its consumptive water use right. Unless exempt, independent secondary users must obtain a consumptive water use right through their own SFWMD permit. In this category, water from the LWDD canal system may not be used for irrigation or other purposes. An example of an independent user is a municipal water utility or residential community with retention ponds.
Dependent secondary users are incorporated into the LWDD’s permit. Their water use is calculated into the quantity of water allocated to the LWDD. Dependent users may be agricultural landowners or individual property owners who have historical water use rights. The LWDD’s main source of consumptive water use is allocated from Water Conservation Area 1 located within the Arthur R. Marshall Loxahatchee Wildlife Refuge. During droughts, water allocation may be made from Lake Okeechobee under the guidance of the SFWMD.
Water VIP: Soil Saturation And Drainage
/in Flood Control, News, O & MMany factors must be considered by the water managers at Lake Worth Drainage District (LWDD) when managing a rain event. One factor not often thought of by the average person is the varying water content in the soil which can have a significant impact on the drainage rate and flood control operations.
When dry soil is crushed in the hand, you can see how it is composed of all kinds of particles of different sizes. Most of these particles originate from the degradation of rocks; they are called mineral particles. Some originate from residues of plants or animals; these are called organic particles. The soil particles seem to touch each other, but a much closer look will show there are spaces in between the particles. These spaces are called pores. When the soil is “dry” the pores are mainly filled with air. After irrigation or rainfall, the pores are mainly filled with water.
When it rains, water is applied to the land, and it begins to seep into the soil. This process is called infiltration. The infiltration rate of a soil is the velocity at which water on the surface can seep into it. The rate of infiltration is affected by the texture of the soil. For example, the infiltration of water into a sandy soil is faster than into a clay soil because the texture of clay is much denser than the sandy soil. The infiltration rate of a soil also depends on the existing soil moisture content. The water infiltrates faster when the soil is dry, rather than when it is wet. You can see this when it has been raining for an extended period. Puddling or pooling of water will occur.
If all soil pores are filled with water the soil is said to be saturated and there is little to no air left between the soil particles. It is easy to determine if soil is saturated. If a handful of saturated soil is squeezed, some muddy water will run between your fingers. The period of saturation of the topsoil usually does not last long. After the rain has stopped, part of the water present in the larger pores at the top will move downward. This process is called drainage or percolation. In coarse textured sandy soils, drainage is completed within a period of a few hours. In fine textured clay soils, drainage may take 2-3 days.
The type of soil and degree of saturation is a consideration when managing water. The flood control function is a balancing act. Water managers must provide adequate drainage for flood control while holding back water for future supply needs. The LWDD has over 100 years of experience in managing the flood control in southeastern Palm Beach County. For more information on water management visit our website at www.lwdd.net.
Protect Your Home From Flooding
/in Flood Control, News, ResidentialJune 1 starts the beginning of the Atlantic hurricane season and forecasters predict it will be busy. Now is the time to get ready for the rains coming our way.
If you live in Florida, you know that rain and potential flooding are natural conditions that could adversely impact people and property. At the Lake Worth Drainage District (LWDD) stormwater drainage and emergency flood response is a core mission. LWDD staff is focused year-round on resiliency and flood protection for the more than 800,000 residents living within our boundary.
As hurricane season approaches, staff is inspecting and conducting maintenance on equipment and designating teams who will respond to emergencies, as well as testing and updating internal plans that guide our work. We also coordinate our operations with local government partners, like the South Florida Water Management District, Palm Beach County and other municipalities who maintain and operate drainage canals in our area. Additionally, staff communicates emergency instructions with residential communities and businesses that have permits to discharge stormwater into LWDD’s canal system for flood control.
Individual residents have a flood control role as well. You can take steps now to help protect your home from flooding.